Insurance Benefits
It’s better to be better prepared
Legal Plans
Legal help that really helps
Accident Insurance
Recovery with fewer worries
Hospital Indemnity Insurance
Focus on healing, not hospital bills.
Critical Illness Insurance
More thriving, less worrying.
This open enrollment, let’s plan for real life.
When it comes to benefits, additional coverage isn't redundant, it's responsible. Now's the time to evaluate your plans and help protect yourself and your loved ones. Boost your benefits and enroll through work.
This open enrollment, let’s plan for real life.
Our network of nationwide attorneys will stand with you from start to finish - making sure you get the help you need. So whether you’re buying a home or creating a will, you can do so with confidence.
This open enrollment, let’s plan for real life.
When life catches you off guard, accident insurance can help keep you a step ahead. Get coverage for accidents, and use the cash benefits as you wish regardless of what your medical insurance may cover.
This open enrollment, let’s plan for real life.
Help reduce the financial impact of a hospital stay.1,2 Get cash benefits paid directly to you, and use them as you wish. That's how you can focus on what matters the most with the hospital indemnity insurance.
This open enrollment, let’s plan for real life.
Lessen your financial burden as you recover from a serious illness. Get cash benefits paid directly to you, regardless of what your medical insurance may cover, to use as you wish. With critical illness insurance, you can live your life your way.
Didyouknow morethan halfof employees
What to know
It’s important to prepare before open enrollment, so you can do what’s best for you and your family.
Boost Your Benefits
Benefits for every stage and age
Every pet deserves the best
Easy enrollment. Quick reimbursement. And the freedom to visit any licensed vet in the U.S. Plus, you can enroll anytime.
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FAQs
Exact dates will vary depending on your employer. However, open enrollment is often during the end of the calendar year: October through December.
Many employers have open enrollment anywhere from two to four weeks.
Typically, yes. Many MetLife benefits are only eligible for enrollment during your employer’s open enrollment period. You can, however, enroll in MetLife Pet Insurance at any time.
First and foremost, confirm with your employer that you missed the date. If you did, talk to them about the options available to you. For example, a qualifying life event, like getting married, having a baby or loss of coverage, can make you eligible for a special enrollment period that allows you to enroll in benefits outside of the annual open enrollment window.
It’s coverage for family members, like spouses, partners and children. Check with your employer for your specific plan details to see if dependent coverage is included.
A premium is the amount you pay for coverage, typically monthly. This amount typically comes out as a payroll deduction.
Even with a medical plan, you may have extra expenses to pay following a health matter. Costs like plan deductibles, copays for doctor visits, and extra costs for out-of-network care can add up.
NEXT STEPS
Contact your employer for more information.
1 Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities. See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details.
2 Hospital Confinement requires the assignment to a bed as a resident inpatient in a Hospital (including an Intensive Care Unit of a Hospital) on the advice of a Physician or confinement in an observation area within a Hospital for a period of no less than 20 continuous hours on the advice of a Physician. Please consult your Certificate for details.
3 MetLife’s 22nd Annual U.S. Employee Benefit Trends Study 2024.
4 Covered services/treatments must be the result of an accident as defined in the certificate.
METLIFE'S ACCIDENT (AX), HOSPITAL INDEMNITY (HI) AND CRITICAL ILLNESS (CII) INSURANCE POLICIES ARE LIMITED BENEFIT GROUP INSURANCE POLICIES. The policies are not intended to be a substitute for medical coverage providing benefits for medical treatment, including hospital, surgical, and medical expenses, and do not provide reimbursement for such expenses. Certain states may require the insured to have medical coverage to enroll in these policies. Like most group accident and health insurance policies, MetLife's AX, HI and CII policies contain certain exclusions, limitations and terms for keeping them in force. Product features and availability may vary by state. The policies may be subject to a Benefit Reduction Due to Age provision. For HI and AX, prior hospital confinement may be required to receive certain benefits, and there may be a pre-existing condition exclusion for hospital sickness benefits, if applicable. Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities. For CII, there may be a pre-existing condition exclusion, and a Benefit Suspension Period between recurrences of the same Covered Condition or occurrences of different Covered Conditions. MetLife offers CII on both an Attained Age basis, where rates will increase when a Covered Person reaches a new age band, and an Issue Age basis, where rates will not increase due to age. Rates are subject to change. MetLife reserves the right to raise premium rates for Issue Age CII on a class-wide basis. A more detailed description of the benefits, limitations, and exclusions applicable to MetLife’s AX, HI and CII products can be found in the applicable Disclosure Statements or Outlines of Coverage/Disclosure Documents available at time of enrollment. For complete details of coverage and availability: for AX and HI, please refer to the group policy form GPNP12-AX, GPNP13-HI, GPNP16-HI or GPNP12-AX-PASG; and for CII, please refer to the group policy form GPNP07-CI, GPNP09-CI, GPNP10-CI, GPNP14- CI, GPNP19-CI, or contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York.
Group legal plans are administered by MetLife Legal Plans, Inc., Cleveland, Ohio. In California, this entity operates under the name MetLife Legal Insurance Services. In certain states, group legal plans are provided through insurance coverage underwritten by Metropolitan General Insurance Company, Warwick, RI. Some services not available in all states. No service, including consultations, will be provided for: 1) employment-related matters, including company or statutory benefits; 2) matters involving the employer, MetLife and affiliates and plan attorneys; 3) matters in which there is a conflict of interest between the employee and spouse or dependents in which case services are excluded for the spouse and dependents; 4) appeals and class actions; 5) farm and business matters, including rental issues when the participant is the landlord; 6) patent, trademark and copyright matters; 7) costs and fines; 8) frivolous or unethical matters; 9) matters for which an attorney client relationship exists prior to the participant becoming eligible for plan benefits. Coverage for defense of criminal matters is excluded from insurance coverage for individuals located in New York. For all other personal legal matters, an advice and consultation benefit is provided. Additional representation is also included for certain matters. Please see your plan description for details.
Like most group benefit programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions of benefits, limitations and terms for keeping them in force. Federal and state laws and regulations are subject to change.
Coverage issued by Metropolitan General Insurance Company, a Rhode Island insurance company headquartered at 700 Quaker Lane, Warwick, RI 02886. Availability is subject to regulatory approval. Coverage subject to restrictions, exclusions and limitations and application is subject to underwriting. See policy or contact MetLife Pet Insurance Solutions LLC (“MetLife Pet”) for details. MetLife Pet is the policy administrator. It may operate under an alternate or fictitious name in certain jurisdictions, including MetLife Pet Insurance Services LLC (New York and Minnesota) and MetLife Pet Insurance Solutions Agency LLC (Illinois).Nothing in these materials is intended to be advice for a particular situation or individual. Please consult with your own advisors for such advice. Like most group insurance policies, insurance policies offered by MetLife contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Please contact your benefits administrator or MetLife for costs and complete details.